when you file an insurance claim..the insurance company either gives you a check or they get the item for you...
most of the time they give you a check and its yoru job to replace it..
however..when you get insurance on it you need to get physical coverage and electronic data coverage...
then you will be covered...
you will also have to provide proof to your insurance company that you made purchases towards the electronic data
..so print out reciepts and keep good records in a safe deposit box or firesafe
many business insurace companys offer data protection/coverage
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